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What is a Second Opinion Investment Review?

Designed for successful international professionals with £250,000 or more to invest, a Second Opinion Review will help you to:

  • Understand if your current lifestyle is sustainable or can be improved in the future.
  • Appreciate all you have today and identify trade-offs that may be needed in the future.
  • Identify gaps in investment, insurance, tax and estate planning areas of your life where you could make improvements.
What you can gain from a Second Opinion Review


Most of us would seek a second opinion before undergoing a procedure or new treatment. It's the same approach, but focused on your personal financial life.

Our most coveted speciality service, a Second Opinion Review provides a comprehensive assessment of your complete “financial health.”

Based on the goals we discuss with you during a preliminary consultation, you get a diagnosis of any discovered financial obstacles you have or could potentially face in the future.

A Second Opinion Review is meant to empower you so that you can move forward through life and make decisions with clarity, confidence and control.



Financial planning that helps you get and keep the life you want.

Confused? Frustrated? Lacking confidence?

Your investment strategy deserves another look.

Your Second Opinion Review aims to show you:

  1. How to cut costs;
  2. How to get better results; and
  3. How to enjoy peace of mind.


The results of previous Second Opinion Reviews

Existing provider Invested Value before Second Opinion Review Fees before Second Opinion Review Total fees after our recommendations Performance over 1 year after our advice
Friends Provident Intl (FPI) $250,000  $206,265 5.48% 1.86% +17.21%








$ -





1.86%  +17.21% 
RL360  £386,363.00 £285,125.00 4.98% 2.90% +29.32%
Generali   £514,314.00  £413,134.00 3.96% 2.85% +32.82%
OMI  £1,123,500.00 £1,082,015.88 2.74% 1.50% +19.59%
A Wealth Advice professional conducting a Second Opinion Review.

It's time to get a second opinion. 

We are independent fiduciaries.

Put simply, this means you get the same advice we give our family.

We don't get paid to sell certain funds and we don't have funds of our own, so our priorities are simple.

Your best interest is first and foremost.


“This is the perfect service for those who want to compare their results with those of the market. Previously, I just didn't realise how much the under performance was costing me and had been relatively content. I now have a clearer grasp of how things work and the difference between speculation and true investment”

K McMullan


“In hindsight, the Second Opinion Review was the beginning of the change for my finances. Since then, I haven't looked back and I am much happier with things moving forwards.”

B Johnsson


“I feel like I went through all 5 stages of grief within an hour because of what I was shown. It has taken a while to sink in and I honestly wished I could bury my head in the sand but this was what I needed to take action and getter better results in the future.”

M Wilson

Saudi Arabia

“I’d much rather get the cold, hard truth so I know how best to recover. It was uncomfortable at first reading what I'd lost in commission - but I'm so happy I know exactly where I am and where I am going.”

Ms W Milton


“I had no idea how much market underperformance was costing me and how easy it is to reduce my costs - having made bold changes I've massively improved my returns.”

Mr T Thirlwell



Asked Questions

What is a Second Opinion Review?

Designed for senior international executives and business owners, a Second Opinion Review gives you a close up, scientific, examination of any investments you currently hold. 

It allows you to find out all the charges you have paid, the contractual terms and levels of risk to which you are subject, and the performance you have received so far versus the benchmark. 

A Second Opinion Review is designed to enable you to make a factually based, fully informed decision about the best options for your investments and your money moving forwards.

This will ultimately give you far greater peace of mind and help you to get and keep the life you want. 

Can I have a Second Opinion Review for any policy?

Yes, you can get a Second Opinion Review for any policy. We can help you analyse any form of regular or lump sum investment. 

The most common types of plans we look at are insurance based investments from companies such as Quilter International (formerly known as Old Mutual International), Generali International, Zurich International, RL360, Hansard International and Friends Provident International. 

We also look at the underlying investments in detail for you.

Why would I want a Second Opinion Review and how would it benefit me?

Sadly, it’s a fact that most international professionals inadvertently hold out-dated investments that are expensive, inflexible and under perform.  This is because these are the types of investments that make expat financial 'advisers' the most money…

We often speak to expats who have lurched from adviser to adviser desperately seeking an unbiased second opinion when they realise their investments aren’t performing well – only to receive yet more conflicted opinion from another conflicted IFA.

We know that a proper scientific diagnosis of your financial position, that’s based on factual numbers and evidence, will yield you far better results in the long-run…and that is what we deliver with a Second Opinion Review.

“Sunlight is the best disinfectant!” and the often-uncomfortable process of absorbing what your Second Opinion Review shows you will enable you get far greater peace of mind moving forwards, because it will help you make the best decisions for the growth and protection of your wealth.

Your Second Opinion Review will give you unbiased, unconflicted facts, evidence and options.  In our long history of creating them, we’ve never received anything other than thanks and positive feedback from recipients.

  • No obligation to use our services further.
  • Transparent fee-for-service structure.
  • Double check to ensure you’re on the right financial path to reach your goals.


How long will it take to receive a Second Opinion Review?

This depends how long it takes you to ask your existing provider to give you the information we need to run the Second Opinion Review. 

Once you give us the information we need – and we will help you source that information – we can complete your review within a few days. 

What is the minimum value my policy needs to be so I can have a Second Opinion Review?

This service is for policies worth 250,000 GBP (or currency equivalent) and over. 

How do I know if my investments need a Second Opinion Review?

An investment portfolio that worked well for you a few years ago may not be right for you now. It’s important to get an investment review regularly and make changes based on your unique goals and objectives.

Would a Second Opinion Review of my investments help me understand where I can cut costs?
Yes. A Second Opinion Review of your investments will not only help you identify where you can cut costs, but also help you get better results and peace of mind. Get your Second Opinion Review today to gain clarity, confidence and control over your investments.
How does a Second Opinion Review work?

We will educate you as to what you currently have in investments, insurance, tax, and estate planning documents and provide you with a detailed outline including recommendations to help address any gaps discovered on your current course.

Can I get a Second Opinion Review of my financial plan and not just my investments?
Yes. Our Second Opinion Review is designed to give senior international professionals and business owners a holistic view of their finances and put their life into numbers, ensuring they are able to get and keep the life they want. 
Why should I trust a Second Opinion Review from AES?

We are independent fiduciaries.We don't get paid to sell certain funds and we don't have funds of our own, so our priorities are simple. Your best interest is first and foremost.

We’re here to educate you on what you have, not sell you on products you don't need or understand. We can help you implement the recommendations we make if you want...or, you can do them on your own or with your existing professionals if you so choose.

Wealth Advice Senior Associate - Yazmin Boden

Your investment strategy deserves another look.

Yazmin Boden, DipPFS